Which of the following statement best describe the relationship between FinTech regulation and innovation? O a. Regulation tends to make FinTech markets more risky which in turn, hurts innovation O b. As long as FinTech is innovating, there is no need for government regulation O c. Greater government intervention and regulation tends to increase FinTech innovation O d. Without Regulation, FinTech cannot innovate O e. Regulation tends to dampen innovation in an attempt to ensure the FinTech market is safer